Does your E&O insurance cover you if you have taken a Narcotic, certain listed medications or are under a doctor's care?

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Paul S. Henderson, REALTOR®, CRS, South Puget Sound Washington Agent/Broker! (Fathom Realty Washington LLC)

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Ron and Alexandra Seigel

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Paul,

What an interesting question. I gather yours does not. A

Mar 10, 2016 11:10 PM

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Nina Hollander, Broker

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Michael Setunsky

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Paul S. Henderson, REALTOR®, Broker, Tacoma Washington I really don't know. It is worth checking out. Hope you're doing well.

Mar 10, 2016 10:09 PM

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Nina Hollander, Broker

Charlotte, NC
Richard Weeks

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Tony and Suzanne Marriott, Associate Brokers

Serving the Greater Phoenix and Scottsdale Metropolitan Area - Scottsdale, AZ

Coldwell Banker Realty

E&O Insurance??!!

Mar 10, 2016 09:57 PM

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Tony and Suzanne Marri...

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Richie Alan Naggar

Riverside, CA

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Roy Kelley

Retired - Gaithersburg, MD

This is a good question.

Mar 10, 2016 08:18 PM

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Nina Hollander, Broker

Charlotte, NC
Richard Weeks

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Bob Crane

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I have not idea, sounds like you should take it easy for a while Paul.

Mar 10, 2016 05:23 PM

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Nina Hollander, Broker

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Bob Crane

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Joe Petrowsky

Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - Manchester, CT

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Good morning Paul. Actually, I'm not sure, but based on your suggestion, I will.

How is the recovery process going?

Mar 10, 2016 05:17 PM

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Nina Hollander, Broker

Charlotte, NC
Bob Crane

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Michael Jacobs

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Not something I have ever investigated. I highly doubt being under a doctor's care would be an exemption.

Mar 10, 2016 05:10 PM

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Nina Hollander, Broker

Charlotte, NC
Bob Crane

Stevens Point, WI

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Nina Hollander, Broker

Coldwell Banker Realty - Charlotte, NC

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I haven't a clue... then again don't take medications nor under a doctor's care.

Mar 11, 2016 12:09 AM

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John McCormack, CRS

Albuquerque, NM

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Richard Weeks

Dallas, TX

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I'm not sure. I guess I should ask my agent.

Mar 10, 2016 11:29 PM

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Nina Hollander, Broker

Charlotte, NC

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Jeff Dowler, CRS

eXp Realty of California, Inc. - Carlsbad, CA

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I have no idea and will have to check. I imagine policies vary on an exemptions

Mar 10, 2016 10:47 PM

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Nina Hollander, Broker

Charlotte, NC

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Richie Alan Naggar

people first...then business Ran Right Realty - Riverside, CA

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This is the type of info insurance companies fish for when you make a claim

Mar 10, 2016 10:30 PM

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Nina Hollander, Broker

Charlotte, NC

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John McCormack, CRS

Albuquerque Homes Realty - Albuquerque, NM

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You don't need to be working yet.

Mar 10, 2016 09:37 PM

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Nina Hollander, Broker

Charlotte, NC

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Lyn Sims

Schaumburg, IL

Real Estate Broker Retired

You mean like for pain for a knee surjury right? Good question, I don't know. In fact, I don't know when I read my E&O insurance.

Mar 10, 2016 09:16 PM

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Nina Hollander, Broker

Charlotte, NC

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Gita Bantwal

RE/MAX Centre Realtors - Warwick, PA

REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel

I follow doctors orders and do not work when I am not well. Fortunately I have not had to take narcotics.

Mar 10, 2016 08:24 PM

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Nina Hollander, Broker

Charlotte, NC

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Susan Haughton

Long and Foster REALTORS (703) 470-4545 - Alexandria, VA

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Since I don't take any medications, I have just never thought about this but it is a good question. I am guessing if the insurance carrier feels someone is impaired by drugs or medications, that could be problematic for the agent.

Mar 10, 2016 07:44 PM

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Nina Hollander, Broker

Charlotte, NC

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James Dray

Fathom Realty - Bentonville, AR

Not a clue Paul

Mar 10, 2016 07:21 PM

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Nina Hollander, Broker

Charlotte, NC

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Kathleen Luiten

Resort and Second-Home Specialist - Princeville, HI

Kauai Luxury Ocean Home Sales

Good question to ask your board's lawyer or the insurance carrier. The usual language excludes conditions of impaired judgment so you might be at risk.

Mar 10, 2016 05:47 PM

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Nina Hollander, Broker

Charlotte, NC

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William Feela

WHISPERING PINES REALTY - North Branch, MN

Realtor, Whispering Pines Realty 651-674-5999 No.

Interesting question

Mar 11, 2016 02:43 PM

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Patricia Kennedy

RLAH@properties - Washington, DC

Home in the Capital

Crack? I doubt it. But if it's prescribed by your doctor, perhaps.

Mar 11, 2016 10:57 AM

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Kathleen Daniels, Probate & Trust Specialist

KD Realty - 408.972.1822 - San Jose, CA

Probate Real Estate Services

That would eliminate a lot of people for coverage ... (LOL)!

Mar 11, 2016 10:41 AM

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Barbara Todaro

RE/MAX Executive Realty - Happily Retired - Franklin, MA

Previously Affiliated with The Todaro Team

I thought real estate agents were all very health conscious....no smoking, drinking or participating in any drug consumption....always focused on business and health.... so, why do we need to check??????????????

Mar 11, 2016 07:20 AM

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Rainmaker
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Sandy Padula & Norm Padula, JD, GRI

HomeSmart Realty West & Florida Realty Investments - , CA

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If impaired or mentally ill, no coverage.

Mar 11, 2016 03:59 AM

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Noah Seidenberg

Coldwell Banker - Evanston, IL

Chicagoland and Suburbs (800) 858-7917

I don't know?

Mar 11, 2016 12:35 AM

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Rainer
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Stephanie & John Webb

Latte Stone Realty LLC - Albuquerque, NM

Stephanie Webb Co-Owner, Latte Stone Realty, LLC

Good question! I have never asked about that.

Mar 10, 2016 10:02 PM

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Abby Stiller

TOP SELLING REALTY - Cape Coral, FL

SW Florida (239) 284-8637

I'm not sure.

Mar 10, 2016 09:27 PM

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Michael Thacker - Re/Max Real Estate Center - Louisville

Re/Max Real Estate Center - The Thacker Group - Louisville, KY

Your best friend who just happens to be a Realtor

I dunno.

Mar 10, 2016 08:44 PM

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Rainmaker
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TeamCHI - Complete Home Inspections, Inc.

Complete Home Inspections, Inc. - Brentwood, TN

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Good morning. I have no idea. Most likely, they won't.

Mar 10, 2016 05:35 PM

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Paul,

What an interesting question. I gather yours does not. A
Paul S. Henderson, REALTOR®, Broker, Tacoma Washington I really don't know. It is worth checking out. Hope you're doing well.
I have not idea, sounds like you should take it easy for a while Paul.
Good morning Paul. Actually, I'm not sure, but based on your suggestion, I will.

How is the recovery process going?
Not something I have ever investigated. I highly doubt being under a doctor's care would be an exemption.
I haven't a clue... then again don't take medications nor under a doctor's care.
I have no idea and will have to check. I imagine policies vary on an exemptions
This is the type of info insurance companies fish for when you make a claim
You mean like for pain for a knee surjury right? Good question, I don't know. In fact, I don't know when I read my E&O insurance.
I follow doctors orders and do not work when I am not well. Fortunately I have not had to take narcotics.
Since I don't take any medications, I have just never thought about this but it is a good question. I am guessing if the insurance carrier feels someone is impaired by drugs or medications, that could be problematic for the agent.
Good question to ask your board's lawyer or the insurance carrier. The usual language excludes conditions of impaired judgment so you might be at risk.
Crack? I doubt it. But if it's prescribed by your doctor, perhaps.
That would eliminate a lot of people for coverage ... (LOL)!
I thought real estate agents were all very health conscious....no smoking, drinking or participating in any drug consumption....always focused on business and health.... so, why do we need to check??????????????